# 401k.loans Muse connector

From musedirectory.ai, the independent directory of Meta Muse connectors. Not affiliated with Meta.

## 401k.loans

Compare the true cost of a 401(k) loan, hardship withdrawal, personal loan or HELOC before you borrow.

- Record: https://musedirectory.ai/connector/401k-loans
- Category: Finance & Bills
- Developer: 401k.loans (https://401k.loans/developers/)
- Muse status: Extra setup. Not in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
- Health: Working, 346ms, checked 2026-11-01T22:11:09Z
- Endpoint: https://401k.loans/mcp
- Auth: No account needed; Pricing: unknown
- Screening: Screened, no issues found (2026-11-01T22:11:09Z)
- Source: Found in the official MCP Registry (loans.401k/401k-loans) https://registry.modelcontextprotocol.io/v0/servers?search=loans.401k%2F401k-loans

Calculators for 401(k) loans and withdrawals. Shows the payment per paycheck, total interest, the tax owed and the 401(k) balance lost to growth at 65. Compares a 401(k) loan with a hardship withdrawal, personal loan and HELOC for the same cash. Models early withdrawal tax, the 10% additional tax, and what happens if you leave the job before repaying.

Example request: "Should I borrow from my 401(k) or take a personal loan to cover a $10,000 roof repair?"

How to connect: Not in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use 401k.loans to help me. It is a free service with an MCP server at https://401k.loans/mcp. It does not need an API key. Ask me before you share anything with it." Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.

Tools:
- calculate_401k_loan_cost: Runs the 401k.loans true-cost calculator: payment per paycheck and number of payments, total repaid and interest, pre-tax pay needed per payment, tax later on the interest, the 401(k) balance at payoff with and without the loan (growth gap) and that gap at 65, the legal and usual
- compare_401k_loan_alternatives: Prices four ways to raise the same cash with the 401k.loans comparison tool: 401(k) loan, hardship withdrawal (grossed up for tax and the 10% additional tax), personal loan (rate plus origination fee) and HELOC. For each: amount taken out, monthly payment, money gone for good (in
- calculate_401k_early_withdrawal: Runs the 401k.loans early withdrawal calculator for a cash-out or hardship withdrawal: amount taken out (or the gross needed to net a target), income tax at your marginal rates, the 10% additional tax, what you keep, what the plan withholds up front (20% mandatory, or 10% default

Screening checks:
- MCP handshake: pass (Answered in 346ms)
- Domain against threat feeds (Cloudflare security DNS): pass (401k.loans not flagged)
- Published packages against the OSV malicious-package database: n/a (No npm or PyPI package published)
- Hidden instructions or invisible characters in tool text: pass (3 tools read, nothing found)
- Inputs asking for passwords, card numbers or seed phrases: pass (None found)
- Domain and redirects: pass (No redirects off the domain)
- AI review of purpose and tool behavior: pass (No concerns)